Bank of Central Florida: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 0.85 percentage points higher than in Q1 2026, at 75.32%. Bank of Central Florida ranks 49th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 74.09% (Q2 2026). Bank of Central Florida reported 74.09% on loan-to-deposit ratio for Q2 2026, 14.11 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $138.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $371.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.09% |
| Net loans and leases to deposits | 73.30% |
| Loans and leases to core deposits | 75.87% |
| Core deposits to total deposits | 75.32% |
| Brokered deposits to total deposits | 22.34% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.87% | 85.02% | $0 | $0 |
| Q4 2023 | 70.07% | 81.47% | $0 | $0 |
| Q1 2024 | 74.09% | 79.17% | $0 | $0 |
| Q2 2024 | 75.52% | 81.11% | $0 | $0 |
| Q3 2024 | 74.38% | 81.45% | $0 | $0 |
| Q4 2024 | 70.89% | 80.05% | $0 | $0 |
| Q1 2025 | 70.99% | 80.24% | $0 | $0 |
| Q2 2025 | 69.96% | 77.35% | $0 | $0 |
| Q3 2025 | 69.72% | 78.16% | $0 | $0 |
| Q4 2025 | 74.95% | 76.51% | $0 | $0 |
| Q1 2026 | 73.84% | 74.47% | $0 | $0 |
| Q2 2026 | 74.09% | 75.32% | $0 | $0 |
Bank of Central Florida liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Central Florida, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Central Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58479) · FFIEC NIC profile (RSSD 3588312)